427 E Bell Ave, Des Moines, IA 50315 Property Records

Polk County property record for 427 E Bell Ave, Des Moines, IA 50315

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 983 sqft · built 1915
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$208,000 (Jun 2025)
Tax Bill	$3,178 (2024)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7824-15-177-003`

Property Details

APN / Parcel Number

Primary APN	`7824-15-177-003`
Alternative APN	`010/01190-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	983 sqft Living Area
Gross Area	1,711 sqft
1st Floor Area	728 sqft
Attic Area	255 sqft
Basement Area	728 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	264 ft deep x 82 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	427 E BELL AVE
City	DES MOINES
State	IA
Zip	50315-1710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 LOT 87 CRAWFORD PLACE
Legal Range	24W
Legal Township	78N
Legal Section	15
Legal Subdivision	CRAWFORD PLACE
Legal Lot Number	87
Jurisdiction	POLK IA
Township / Civil Division	DES MOINES
Census Block Group	3
Census Block	3010
Census Tract	4400

Owner

427 E Bell Ave is owned and occupied by an individual who bought it in June 2025.

Source: Polk County records, as of October 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	427 E BELL AVE, DES MOINES, IA 50315-1710
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Jan 5, 2017	Deed of Trust, Mortgage GREATER IA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2025 · Amount on File
Deed Sale	Jun 16, 2025 · Amount on File
Prior Sale	Apr 1, 2022 · Amount on File
Deed Document Number	2025-00034179
Deed Book / Page	20172 / 114
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Apr 1, 2022
Property Address	427 E BELL AVE, DES MOINES, IA 50315-1710
Document Number	0000025893
Book / Page	19049 / 325
Instrument Date	Mar 14, 2022
Instrument	2022-00025893
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$303.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 E BELL AVE, DES MOINES, IA 50315-1710

Mortgage

Document Number	0000025895
Date	Apr 1, 2022
Instrument	2022-00025895

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	427 E BELL AVE, DES MOINES, IA 50315-1710
Document Number	0000062207
Book / Page	016346 / 000001
Instrument Date	Jan 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	427 E BELL AVE DES MOINES IA 503151710, DES MOINES, IA 50315-1710

Mortgage

Document Number	0000062207
Date	Jan 17, 2017
Book Page	016346/000001
Instrument	62207

Lender

Name	GREATER IA CU
Type	Credit Union
Address	AMES, IA 50010

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 16, 2032

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Polk County
Municipality	Des Moines City
Unified School District	Des Moines Independent Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$181,900 Land $34,400 Building $147,500	$181,900 Land $34,400 Building $147,500
2024	$3,178.00
2023		$168,500 Land $31,300 Building $137,200	$168,500 Land $31,300 Building $137,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 427 E Bell Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective August 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1993 · Severe Storms & Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 427 E Bell Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · above 40% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DES MOINES WATER WORKS serves 246,055 people · EPA ID IA7727031
Water Source	Purchased surface water from CIWW (DMWW)
Last State Inspection	May 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 322 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000

May also be available: AT&T, Verizon.

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